Hancock Whitney (HH1) AI Stock Analysis

Hancock Whitney

(Frankfurt:HH1)

Rating:―N/A

Action:N/A

Date:―

No summary available

Positive Factors

Strong profitability and cash conversionHancock Whitney is producing solid profitability while converting earnings into cash efficiently. This combination supports internal funding for lending growth, technology, and client investment, and provides resilience through changing banking conditions without relying solely on external capital.

Negative Factors

Rising deposit and funding costsHigher deposit pricing directly pressures the spread between asset yields and funding costs, potentially limiting net interest margin expansion even as loan growth continues. Persistent pricing competition could also make growth more expensive and reduce the benefit of favorable earning-asset yields.

Hancock Whitney (HH1) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 5.78B
Dividend Yield: 2.63%
Average Volume (3M): ―
Price to Earnings (P/E): 14.3
Beta (1Y): 0.60
Revenue Growth: -5.53%
EPS Growth: -14.61%
Country: Germany
Employees: 3,803
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Hancock Whitney Business Overview & Revenue Model

Company Description

Hancock Whitney Corporation, founded in 1899 and headquartered in Gulfport, Mississippi, functions as the financial holding company for Hancock Whitney Bank. This institution delivers a comprehensive range of traditional and online banking solutions...

Hancock Whitney Earnings Call Summary

Earnings Call Date:Oct 19, 2026(Q3-2026)|% Change Since:-0.79%|Next Earnings Date:Jan 18, 2027

Earnings Call SentimentPositive

The call was predominantly positive, with strong profitability, organic loan and deposit growth, improved criticized loans, successful integration of One Florida Bank, maintained low-double-digit growth guidance, and solid operating and capital metrics. The principal challenges were higher deposit costs, increased non-accrual loans, a decline in TCE to 8.05%, and the likely pause in share repurchases. Management nevertheless expressed confidence in continued growth and profitability.

Positive Updates

Strong Third-Quarter Profitability

Third-quarter adjusted net income was $134 million, or $1.66 per share, compared with $127 million, or $1.55 per share, in the second quarter. Adjusting for One Florida Bank acquisition expenses, EPS improved 17% year over year and PPNR grew 8% year over year.

Negative Updates

Non-Accrual Loans Increased

Non-accrual loans increased $19 million to $133 million during the quarter, although net charge-offs remained flat at 16 basis points.

Company Guidance

For full year 2026, guidance remains unchanged for loan and deposit growth at low double-digit growth, with net charge-offs to average loans expected to come in at between 15 and 25 basis points; revised guidance calls for net interest income to be up between 9% and 9.5%, fee income up between 5.5% and 6%, and both operating expenses and PPNR up between 8% and 8.5%. For the fourth quarter, the company assumes one 25 basis point rate hike in December with minimum impact, expects organic loan growth of 4% linked quarter annualized and deposits growth of the better part of 9% linked quarter annualized to at least continue, anticipates a similar increase in cost of deposits, maybe a basis point or two more, and views modest NIM expansion as somewhere between 3, 4, 5 basis points.

Hancock Whitney Risk Analysis

Hancock Whitney disclosed 39 risk factors in its most recent earnings report. Hancock Whitney reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

Hancock Whitney Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:HH1 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HOMB	78Outperform	$5.96B	12.05	10.95%	2.89%	2.37%	5.57%
RNST	78Outperform	$3.65B	11.09	8.62%	2.35%	20.10%	79.91%
TRMK	77Outperform	$2.57B	11.03	11.10%	2.24%	-4.19%	9.33%
FBK	74Outperform	$2.65B	11.82	11.98%	1.53%	26.41%	110.85%
ABCB	72Outperform	$5.53B	14.38	9.44%	0.97%	3.39%	-1.12%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

* Financial Sector Average

Performance Comparison

DE:HH1 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:HH1	Hancock Whitney Corp	63.00	14.83	30.79%
ABCB	Ameris	82.42	10.69	14.90%
HOMB	Home Bancshares	29.77	3.55	13.55%
RNST	Renasant	39.93	6.90	20.89%
TRMK	Trustmark	44.22	7.59	20.72%
FBK	FB Financial Corporation	53.57	0.59	1.11%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Hancock Whitney AI Stock Analysis